Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$83,505Cash toward the purchase price.
Closing costs + prepaids$9,495Not just lender fees.
Before credits & paid funds$93,000The complete starting cash picture.
Estimated remaining funds due at closing
$93,000No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,505.18
Your down payment$83,505.18
Closing costs + prepaids$9,494.57
Total buyer cash needed$92,999.75
Remaining funds due$92,999.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$2,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$956.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$343.75
Prepaid interest, first (14 days)$226.84
Fees + prepaids$9,494.57
Your down payment is the seller’s equity. You take over the $191,395 balance, so the rest of the $274,900 price is paid at closing. A second mortgage can cover part of it. $92,999.75 is due at closing. Uses and sources reconcile at $284,394.57 each. Not a Closing Disclosure.